# US 2021/0279319 A1 · Systems and methods for executing electronic transactions using secure identity data

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- Number: US 2021/0279319 A1
- Document ID: US20210279319A1
- Status: Published application
- Kind: A1
- Application number: 17/330,472
- Filed: 2021-05-26
- Published: 2021-09-09
- Earliest claimed: 2015-07-22
- Assignees: Worldpay, LLC
- Applicants: Worldpay Limited
- Inventors: Nicholas TELFORD-REED; Jonathan VOKES
- Web page: https://patentgrep.com/patent/US20210279319A1

## CPC

- G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints
- G06Q 20/40145: {Biometric identity checks}
- H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)}
- H04W 12/126: Anti-theft arrangements, e.g. protection against subscriber identity module [SIM] cloning
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

The invention relates generally to secure data entry devices and methods of using such devices. A secure data entry device is provided that includes an integrated imaging device arranged such that it captures at least one image of a user during a transaction. The at least one image is processed in order to generate a biometric pattern. In one embodiment the at least one image includes a user's face and the processing involves applying a facial recognition algorithm to the at least one image to generate the biometric pattern. In some embodiments the biometric pattern is compared to a trusted biometric pattern in order to determine whether to approve or decline the transaction.

## Claims

### Claim at position 1

1-44. (canceled)

### Claim 45

A secure data entry system, comprising:
one or more computer readable media storing instructions for executing electronic transactions; and
one or more processors configured to execute the instructions to perform operations comprising:
receiving identity information associated with an electronic transaction from a user;
capturing a plurality of images of the user;
generating a ranking of the plurality of images based on one or more comparisons between each of the plurality of images;
selecting at least one image from the plurality of images based on the ranking of the plurality of images;
generating a biometric pattern corresponding to the user based on the selected at least one image;
comparing the generated biometric pattern with previously stored biometric patterns; and
executing the electronic transaction based on a result of the comparison between the generated biometric pattern and the previously stored biometric patterns.

### Claim 46 (depends on 45)

The system of claim 45, wherein operations further comprise:
transmitting the plurality of images to a remote server.

### Claim 47 (depends on 45)

The system of claim 45, wherein the capturing the plurality of images of the user further comprises:
upon capturing a predetermined number of images, stop capturing the plurality of images.

### Claim 48 (depends on 45)

The system of claim 45, wherein the capturing the plurality of images of the user further comprises:
stop capturing the plurality of images after a predetermined time interval has elapsed.

### Claim 49 (depends on 45)

The system of claim 45, wherein the operations further comprise:
determining whether the identity information associated with the electronic transaction matches secure data associated with a payment instrument of the user.

### Claim 50 (depends on 49)

The system of claim 49, wherein the operations further comprise:
upon determining the identity information associated with the electronic transaction matches the secure data associated with the payment instrument of the user, executing the electronic transaction based on the result of the comparison between the generated biometric pattern and the previously stored biometric patterns.

### Claim 51 (depends on 49)

The system of claim 49, wherein the operations further comprise:
upon determining the identity information associated with the electronic transaction does not match the secure data associated with the payment instrument of the user, determining a number of times the user has entered the identity information; and
upon determining the number of times the user has entered the identity information is less than a predetermined number, requesting the user to provide the identity information again.

### Claim 52

A method of executing electronic transactions, the method comprising:
receiving, by a secure data entry system, identity information associated with an electronic transaction from a user;
capturing, by the secure data entry system, a plurality of images of the user;
generating, by the secure data entry system, a ranking of the plurality of images based on one or more comparisons between each of the plurality of images;
selecting, by the secure data entry system, at least one image from the plurality of images based on the ranking of the plurality of images;
generating, by the secure data entry system, a biometric pattern corresponding to the user based on the selected at least one image;
comparing, by the secure data entry system, the generated biometric pattern with previously stored biometric patterns; and
executing, by the secure data entry system, the electronic transaction based on a result of the comparison between the generated biometric pattern and the previously stored biometric patterns.

### Claim 53 (depends on 52)

The method of claim 52, further comprising:
transmitting the plurality of images to a remote server.

### Claim 54 (depends on 52)

The method of claim 52, wherein the capturing the plurality of images of the user further comprises:
upon capturing a predetermined number of images, stop capturing the plurality of images.

### Claim 55 (depends on 52)

The method of claim 52, wherein the capturing the plurality of images of the user further comprises:
stop capturing the plurality of images after a predetermined time interval has elapsed.

### Claim 56 (depends on 52)

The method of claim 52, further comprising:
determining whether the identity information associated with the electronic transaction matches secure data associated with a payment instrument of the user.

### Claim 57 (depends on 56)

The method of claim 56, further comprising:
upon determining the identity information associated with the electronic transaction matches the secure data associated with the payment instrument of the user, executing the electronic transaction based on the result of the comparison between the generated biometric pattern and the previously stored biometric patterns.

### Claim 58 (depends on 56)

The method of claim 56, further comprising:
upon determining the identity information associated with the electronic transaction does not match the secure data associated with the payment instrument of the user, determining a number of times the user has entered the identity information; and
upon determining the number of times the user has entered the identity information is less than a predetermined number, requesting the user to provide the identity information again.

### Claim 59

A non-transitory computer-readable medium storing instructions for executing electronic transactions, the instructions, when executed by one or more processors, causing the one or more processors to perform operations comprising:
receiving, by a secure data entry system, identity information associated with an electronic transaction from a user;
capturing, by the secure data entry system, a plurality of images of the user;
generating, by the secure data entry system, a ranking of the plurality of images based on one or more comparisons between each of the plurality of images;
selecting, by the secure data entry system, at least one image from the plurality of images based on the ranking of the plurality of images;
generating, by the secure data entry system, a biometric pattern corresponding to the user based on the selected at least one image;
comparing, by the secure data entry system, the generated biometric pattern with previously stored biometric patterns; and
executing, by the secure data entry system, the electronic transaction based on a result of the comparison between the generated biometric pattern and the previously stored biometric patterns.

### Claim 60 (depends on 58)

The computer-readable medium of claim 58, wherein the operations further comprise:
transmitting the plurality of images to a remote server.

### Claim 61 (depends on 58)

The computer-readable medium of claim 58, wherein the capturing the plurality of images of the user further comprises:
upon capturing a predetermined number of images, stop capturing the plurality of images.

### Claim 62 (depends on 58)

The computer-readable medium of claim 58, wherein the capturing the plurality of images of the user further comprises:
stop capturing the plurality of images after a predetermined time interval has elapsed.

### Claim 63 (depends on 58)

The computer-readable medium of claim 58, wherein the operations further comprise:
determining whether the identity information associated with the electronic transaction matches secure data associated with a payment instrument of the user; and
upon determining the identity information associated with the electronic transaction matches the secure data associated with the payment instrument of the user, executing the electronic transaction based on the result of the comparison between the generated biometric pattern and the previously stored biometric patterns.

### Claim 64 (depends on 63)

The computer-readable medium of claim 63, wherein the operations further comprise:
upon determining the identity information associated with the electronic transaction does not match the secure data associated with the payment instrument of the user, determining a number of times the user has entered the identity information; and
upon determining the number of times the user has entered the identity information is less than a predetermined number, requesting the user to provide the identity information again.